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Can You Really Pay Rent with a Credit Card?
In 2025, more Indians are turning to credit cards not just for shopping—but for paying rent through credit card too. The idea to Pay Rent with Credit Card is gaining popularity thanks to innovative rent payment apps and platforms that allow easy, cashless transactions. But with benefits come questions: Are there fees? How secure is it? Can you do it without paying charges?
This complete guide will answer all your questions around rental payment through credit card, including:
- How to pay rent with credit card without fee
- Which apps allow rent payment
- Benefits and risks
- Fee comparisons
- Bank payment methods and more
Let’s dive into the smartest way to manage your rent in 2025.
Why Pay Rent with Credit Card?
Using a credit card for rent isn’t just about convenience. Here’s why many are making the switch:
1. Build Credit Score
Making consistent, on-time rent payments via your credit card boosts your credit score.
2. Earn Reward Points & Cashback
Most cards offer 1-5% cashback or rewards—even for rental payment through credit card, depending on the issuer.
3. Manage Cash Flow
If you’re low on funds, paying rent with a credit card gives you up to 45 days of breathing room.
4. Track Monthly Expenses
Consolidate expenses, download statements, and simplify budgeting.
How to Pay Rent with Credit Card in India
Here’s how the process works:
- Sign up with a trusted rent payment app.
- Add your landlord’s bank details.
- Enter rent amount and pay using your credit card.
- The app transfers rent to the landlord’s account via NEFT or IMPS.
That’s how you easily pay rent through credit card in under 5 minutes!
Top Rent Payment Apps to Use in 2025
| App Name | Fee (%)* | Credit Cards Supported | UPI Option |
|---|---|---|---|
| CRED RentPay | 1-1.5% | All major cards | Yes |
| Paytm Rent | 1.5%-2% | VISA, MasterCard | Yes |
| NoBroker Pay | 1%-1.8% | Amex, VISA, RuPay | Yes |
| RedGiraffe | 0.39% | Limited (requires HR approval) | No |
| Housing RentPay | 1.75% | All cards | No |
*Fees may vary based on offers or card types.
All these platforms make it easy to Pay Rent with Credit Card, but watch out for charges.
Pay Rent with Credit Card Without Fee: Is It Possible?
Technically, yes—but only in rare cases. Here are a few ways to pay rent with credit card without fee:
1. Promotional Offers
Platforms like CRED or NoBroker occasionally waive convenience fees during promotions.
2. Reward Cards with Cashback
If you earn 2-5% cashback and the processing fee is just 1.5%, you still come out ahead.
3. Use Employer-Tied Services
Services like RedGiraffe offer ultra-low fees (0.39%) if your employer partners with them.
Pay Rent with Credit Card Charges Breakdown
Here’s a look at the standard fees involved:
- Processing Fee: Ranges from 1% to 2.5%
- GST on Fee: 18% on processing charge
- Interest: Only applies if you don’t pay off your credit card bill on time
- Late Fee: If the rent is delayed or your card bounces
For example:
Rent: ₹20,000
Fee (1.5%): ₹300
GST: ₹54
Total extra cost: ₹354/month
If your card offers 2% cashback, you recover ₹400 = Profit!
Is It Safe to Pay Rent with a Credit Card?
Yes, as long as:
- You use a verified rent payment app
- Your landlord details are correct
- You don’t exceed your credit limit
- You clear dues before due dates
The RBI has not banned rent payments via credit cards, but urges users to avoid using them for “forced loans.” Always use this feature responsibly.
Tips for Paying Rent Through Credit Card Smartly
- Use cards with high cashback or travel rewards
- Set reminders for rent dates and card due dates
- Track rewards earned vs. fees paid
- If your landlord doesn’t accept direct payments, use a third-party app that transfers rent via bank account
- Avoid using this method if you regularly carry forward card balances
Banks That Support Rent Payments
✅ You can use most Indian credit cards including:
- SBI Credit Cards
- ICICI Credit Cards
- Axis Bank
- HDFC Bank
- Kotak
- IndusInd
To learn more about bank-wise card payments, check these guides:
🔹 Bank of Baroda Credit Card Payment Online & Offline
🔹 PNB Credit Card Payment Options
🔹 Bandhan Bank Credit Card Bill Payment
🔹 DBS Bank Credit Card Guide
Common Myths About Paying Rent via Credit Card
❌ “It’s not allowed.”
✅ RBI permits rent payments via credit cards.
❌ “You’ll always lose money.”
✅ Not if your rewards offset fees or if offers are active.
❌ “It affects credit score negatively.”
✅ Paying rent through credit card improves your score if paid on time.
Alternatives to Paying Rent with Credit Card
Not comfortable using your credit card? Try these:
- UPI via Google Pay, PhonePe
- Netbanking
- Auto-debit from bank account
- Post-dated cheques
- Debit card via apps like Paytm
But if managed smartly, Paying Rent Through Credit Card gives you better rewards and flexibility.
FAQs About Rental Payment Through Credit Card
🔹 Can I pay rent directly with my credit card?
Not always. Most landlords don’t accept cards directly. You’ll need an app that processes and transfers it to their bank.
🔹 Will it impact my credit score?
Yes—but positively, if payments are on time.
🔹 What is the best app to Pay Rent with Credit Card Without Fee?
RedGiraffe offers the lowest charge (~0.39%) but only with corporate HR tie-ins. Otherwise, use NoBroker during promotional periods.
🔹 Can I cancel a rent transaction?
Most apps allow cancellation before bank transfer. After that, it depends on app policy.
Final Thoughts: Is It Worth It to Pay Rent via Credit Card?
Yes—if you’re smart about it.
- Use it to earn rewards, build credit, and ease cash flow
- Choose low-fee or no-fee platforms
- Always pay off your card before the due date
With the right setup, Pay Rent with Credit Card becomes not just possible—but profitable.
Call to Action: Start Paying Your Rent Smartly
Ready to manage your rent better? Use apps like CRED, NoBroker, or RedGiraffe today and start paying rent through credit card the smart way.
How to Pay Rent with Credit Card in 2025 — Smart & Secure
✅ Why Pay Rent Through Credit Card?
- ✔ Boost your credit score with regular on-time payments
- ✔ Earn rewards, cashback, or travel points
- ✔ Delay payment by up to 45 days and manage cash flow
- ✔ Easily track rent transactions and stay organized
🏠 Top Rent Payment Apps in India
| App | Fees | Supports UPI |
|---|---|---|
| CRED RentPay | 1% – 1.5% | Yes |
| NoBroker Pay | 1% – 1.8% | Yes |
| Paytm Rent | 1.5% – 2% | Yes |
| RedGiraffe | 0.39% (via employer) | No |
💸 How to Pay Rent with Credit Card Without Fee
- 🔹 Use promotional offers from rent payment apps
- 🔹 Choose credit cards with high rewards or cashback
- 🔹 Pay your credit card bill in full to avoid interest
- 🔹 Use RedGiraffe if supported by your employer
📊 Quick Fee Breakdown (Example)
- Rent: ₹20,000
- Processing Fee @1.5%: ₹300
- GST on Fee: ₹54
- Total Extra Cost: ₹354
- Get ₹400 back if your card gives 2% cashback = net gain!
🔐 Is Paying Rent Through Credit Card Safe?
Yes, as long as you use a verified app, check landlord details, and repay your credit card on time. It’s RBI-approved and growing in popularity across India in 2025.
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